Sutcliffe Wealth Management Limited: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 3 years
Protected through the principal
No FCA actions
Active company since 2023
Accounts filed up to 31 December 2025

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
Sutcliffe Wealth Management Limited (FRN 1000517) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Sutcliffe Wealth Management's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Sutcliffe Wealth Management, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Website

sutcliffewealth.co.uk (opens in a new tab)
Phone number

07795 810820
Address

1 Greystones Avenue, Killinghall, Harrogate, North Yorkshire, HG3 2BJ, United Kingdom

In the full report: 3 background checks

When sutcliffewealth.co.uk first appeared online, and whether it can receive email
What kind of line 07795 810820 is
Who else gives the postcode HG3 2BJ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 14923471 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 June 2023 (3 years old)
Registered office: 1 Greystones Avenue, Killinghall, Harrogate, HG3 2BJ, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Catherine Sarah Sutcliffe	Director	Feb 1980	8 Jun 2023	None
Daniel Luke Sutcliffe	Director	Jan 1985	8 Jun 2023	1 other company

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other company: 1
still active: 1
is FCA-registered: 1

In the full report: all 1 company, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Total equity

£386k

+17% from £331k

Employees (average)

0

−100% from 1

Owed within a year

£39.9k

−51% from £81.4k

Assets and liabilities

About these figures

Turnover: Money taken from sales in the year, before any costs.
Profit before tax: What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity: Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities: Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank: Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year: Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 14923471. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Sutcliffe Wealth Management’s history from the FCA register and Companies House, newest first.

2023

15 September 2023

Became an appointed representative

FCA register

8 June 2023

Incorporated at Companies House
Catherine Sarah Sutcliffe gained significant control
Daniel Luke Sutcliffe gained significant control
Catherine Sarah Sutcliffe appointed as a director
Daniel Luke Sutcliffe appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Sutcliffe Wealth Management

Other FCA-listed firms that share a director, phone number or address with Sutcliffe Wealth Management. A link shows who the firm is tied to, not whether either can be trusted.

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Sutcliffe Wealth Management

Other firms of the same type (financial adviser), nearest first.

In Harrogate

4Life Wealth Management LimitedHarrogateAppointed representative Alastair CrackHarrogateAppointed representative Claire HaydenHarrogateAppointed representative CSM Financial LimitedHarrogateAppointed representative GB Financial LimitedHarrogateAppointed representative Hallgarth Wealth Planning (Yorkshire) LtdHarrogateAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Sutcliffe Wealth Management

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

1 other company its directors have run, named
3 background checks on its contact details
All 6 events in its history

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Frequently asked questions about this firm

Is Sutcliffe Wealth Management Limited FCA authorised?

Sutcliffe Wealth Management Limited (FRN 1000517) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Sutcliffe Wealth Management?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Sutcliffe Wealth Management Limited (FRN 1000517) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Sutcliffe Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sutcliffe Wealth Management, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is Sutcliffe Wealth Management’s phone number and website?

The FCA register lists the phone number 07795 810820 and the website sutcliffewealth.co.uk for Sutcliffe Wealth Management. If you were given different contact details, use these to check with the firm before going any further.

Is Sutcliffe Wealth Management a scam or clone?

Sutcliffe Wealth Management is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Sutcliffe Wealth Management?

Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Sutcliffe Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Sutcliffe Wealth Management?

Companies House lists 2 people with significant control of Sutcliffe Wealth Management: Mrs Catherine Sarah Sutcliffe (significant influence or control) and Mr Daniel Luke Sutcliffe (significant influence or control).

Who runs Sutcliffe Wealth Management?

Companies House lists 2 directors of Sutcliffe Wealth Management: Catherine Sarah Sutcliffe and Daniel Luke Sutcliffe.

How long has Sutcliffe Wealth Management been in business?

The company was formed on 8 June 2023.

What do Sutcliffe Wealth Management’s latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £386k (+17% from £331k).